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Charity and Not-for-profit Shop Insurance

Aiding you with the right charity shop insurance cover.

We’re passionate about championing the high street and helping charities like Mind in Garforth, Leeds protect their shops (pictured above). So we’ve made it as easy as possible for you to arrange your insurance so you can focus on running your charity shop.

All you need to do is tell us what you want your insurance policy to cover. We work closely with specialist insurers to arrange a policy that covers the areas of your business that you need protecting.

Whether you need high levels of stock insurance or business interruption cover, we can arrange the right insurance cover for your charity shop.


Why Choose smei for Charity Shop Insurance?

We’re a broker which means we work with a specialist range of insurers to find you a policy that’s tailor made for your business. It also means that we aim to get you the best price possible and you won’t be pay for cover you don’t need.

We also make it easy for you to claim, all you need to do is pick up the phone and we’ll take it from there. We’ll even remind you of your policy renewal date so your shop is never without insurance.


Get a Charity Shop Insurance Quote

Getting a quote is quick, simple and easy. All we need is basic information to provide you with a quote.

You can even choose to take out the policy there and then, so if you need insurance that day then we’ll be able to help. Otherwise, just tell us the date you’d like your insurance to start and we’ll take it from there.

You Could Save Over 15%*

Mon-Fri: 8am - 6pm

Call our team to receive your free, no obligation quote today.

Quote line: 0330 134 4564

Cover Available for Charity Shops

  • Accidental damage.

  • Public and products liability.

  • Employers liability.

  • Contents.

  • Buildings.

  • Business interruption.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Money at home of insured or authorised employee.

  • Goods in transit.

  • Glass.

  • Legal expenses.

  • Book debts/accounts receivable.

  • Loss of rent receivable.

  • Tenants improvements.

  • Subsidence.

  • Terrorism.

  • Embedded machinery breakdown.

Premiums from as little as £304.00

In the past 12 months our customers have paid as little as £304.00*** per annum for charity shop insurance.

Over 60%**** of our charity shop customers paid less than £450 per annum in the past 12 months.

* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

**Cover may depend upon insurer.

*** Data compared from 11 policies sold between November 2017 and November 2018.

**** Based on 11 policies sold between November 2017 and November 2018, 100 customers paid less than £450.


What Kind of Charity Shops Do You Insure?

WHAT KIND OF CHARITY SHOPS DO YOU INSURE? Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity’s insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we’ll look for a policy that best suits your needs.

Why Do I Need Charity Shop Insurance?

Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity’s activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.

What Charity Shop Insurance Cover Do I Need?

If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee’s negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn’t be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.

What Optional Cover is Available?

As we work with a panel of specialist insurers, we can arrange the insurance you want and need. All you need to do is tell us what you would like including in your policy and we will arrange that for you.

How Much Does Charity Shop Insurance Cost?

The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range of insurers – each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

What charity shop is featured on this page?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Mind in Garforth, Leeds is one of our high street heroes. Visit their website here: www.mind.org.uk

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco


Photographic Equipment


Wines and Spirits




DVDs, Blu-rays, CDs and Video Games




Electrical Equipment


All Other Stock


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This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

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If you are a tenant you will be responsible for any improvements you have made.

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If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?


You Could Save Over 15% With Us*

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Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Related Articles

How can a charity shop play a role in preserving the health of a local high street?

We asked Barbara Power, store manager at Mind in Garforth, Leeds for her view.

Posted 29/11/2018
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